The legal notices posted on this site are for
reference only. Only the legal notices published in the legal
organ newspaper of this county (The Banks County News) are official
per O.C.G.A. sec. 9-13-140, et seq.

Hill Estate
Notice to Debtors
and Creditors
All Creditors of the Estate of John D. Hill, Deceased, late of Banks County, Georgia, are hereby notified to render in their demands to the undersigned according to law, and all persons indebted to said estate are required to make immediate payment to us.
This 6th day of November, 2001.
Ronald B. Hill, Executor/Administrator
951 Mangum Bridge Road
Maysville, GA 30558
(NV14,21,28,DC5B/251 1000)

Advertisement
for Bids
Department of Transportation
State of Georgia
Federal Project No.
NHS-M001-00 (027) 01
Banks, Barrow, Gwinnett, Jackson Counties
Sealed proposals for furnishing all labor, material, equipment and other things necessary for the following work will be received by the undersigned at the general office of the Department of Transportation, 2 Capitol Square, Atlanta, Georgia 30334, until 11:00 a.m., December 14, 2001, and publicly opened.
23.970 miles of milling, inlay and plant mix resurfacing on I-85 beginning south of SR 211 and extending south of SR 15/US 441; also includes bridge joint seal replacement.
(FOS)
Contract Time: 12/31/02; Proposal Guaranty: 5%; District Office: Gainesville; Price of Plans: None; DBE: 5.00
Plans and specifications may be inspected at the general office in Atlanta and the district office indicated. Copies of the standard specifications ($20.00), the proposal form ($10.00), and the plans (indicated price) may be obtained from the state transportation office engineer at the general office in Atlanta, telephone number (404) 656-5293. Payment of the correct amount must be made within 30 days of billing; such payments are not refundable.
Payment will be made to the contractor each calendar month based on the estimated work complete in place as prescribed by the standard specifications.
The state reserves the right to reject any or all bids.
J. Tom Coleman, Jr., Commissioner, Department of Transportation
(NV28,DC5B/271 3000)

Advertisement
for Bids
Department of Transportation
State of Georgia
Federal Project No.
STP-M001-00 (207) 01
Banks, Habersham,
Lumpkin Counties
Sealed proposals for furnishing all labor, material, equipment and other things necessary for the following work will be received by the undersigned at the general office of the Department of Transportation, 2 Capitol Square, Atlanta, Georgia 30334, until 11:00 a.m., December 14, 2001, and publicly opened.
Bridge joint rehabilitation at various locations in Banks, Habersham and Lumpkin Counties.
(E)
Contract Time: 06/30/02; Proposal Guaranty: 5%; District Office: Gainesville; Price of Plans: None; DBE: 0.00
Plans and specifications may be inspected at the general office in Atlanta and the district office indicated. Copies of the standard specifications ($20.00), the proposal form ($10.00), and the plans (indicated price) may be obtained from the state transportation office engineer at the general office in Atlanta, telephone number (404) 656-5293. Payment of the correct amount must be made within 30 days of billing; such payments are not refundable.
Payment will be made to the contractor each calendar month based on the estimated work complete in place as prescribed by the standard specifications.
The state reserves the right to reject any or all bids.
J. Tom Coleman, Jr., Commissioner, Department of Transportation
(NV28,DC5B/271 3000)

Notice of Sale
Notice of Sale Under Power
Georgia, Banks County
Under and by virtue of the Power of Sale contained in a Security Deed from Ricky L. Oliver and Bridgette Oliver to Oakwood Acceptance Corporation, dated October 5, 1999, and recorded on October 12, 1999, in Deed Book 149, Page 450, Banks County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of One Hundred Eighteen Thousand Nine Hundred Thirty and 10/100 Dollars ($118,930.10), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the Courthouse door of Banks County, Georgia, within the legal hours of sale on the first Wednesday in January, 2002, the following described property:
All that tract or parcel of land situate, lying and being in the 1580th District, G.M. of Banks County, Georgia, containing 7.73 acres, more or less, and being shown and designated as Tract No. 3, 7.73 acres according to a plat of survey prepared for Ben Jones Simmons Estate by G. Brian Slate, Registered Land Surveyor, dated August 3, 1998, and recorded in Plat Book 24, Page 42, in the Office of the Clerk of Superior Court of Banks County, Georgia, which plat and the record thereof are by reference incorporated herein for a more detailed description.
Together with all easement and access rights over and across Moss Mill Drive as shown on the above-referenced plat but subject to the rights of others in and to the use of said drive.
Together with that certain 1999 Oakwood Mobile Home, Serial Number H0GA20K00882.
The indebtedness secured by said Security Deed has been and is hereby declared due and payable because of, among other possible events of default, non-payment of the monthly installments as required by said Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Security Deed and by law, including attorneys fees (notice of intent to collect attorneys fees having been given) and all other payments provided for under the terms of the Security Deed and Note.
Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.
To the best of the undersigneds knowledge and belief, said property is also known as 125 Moss Mill Drive, Baldwin, Georgia, and the party in possession of the property is Ricky L. Oliver, Bridgette Oliver or a tenant or tenants of said property.
Oakwood Acceptance Corporation, LLC, SBM Oakwood Acceptance Corporation, as Attorney-in-Fact for Ricky L. Oliver and Bridgette Oliver
Kenney & Solomon, P.C.
3675 Crestwood Parkway, Suite 110
Duluth, Georgia 30096
(770) 564-1600
The law firm is acting as a debt collector attempting to collect a debt. Any information obtained will be used for that purpose.
(DC5,12,19,26P4)

Notice of Sale
Notice of Sale Under Power
Georgia, Banks County
Under and by virtue of the Power of Sale contained in a Security Deed from Brandi Reed to Belgravia Financial Services, dated May 17, 1997, and recorded on May 30, 1997, in Deed Book 117, Page 275, Banks County, Georgia; as assigned by assignment of Security Deed to Dynex Financial, Inc., dated October 1, 1997, recorded August 28, 2000, in Deed Book 160, Page 714, aforesaid records, conveying the after-described property to secure a Note in the original principal amount of Forty-Six Thousand Three Hundred Seventeen & 00/100 Dollars ($46,317.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the Courthouse door of Banks County, Georgia, within the legal hours of sale on the first Wednesday in January, 2002, the following described property:
All that tract or parcel of land lying and being in G.M.D. 912 of Banks County, Georgia, and being Lot 3, as shown on a recorded plat for Lanier Home Center, dated June 27, 2000, by Kenyon L. Miller, Georgia Registered Land Surveyor No. 2595, and recorded in Plat Book 25, Page 122, Banks County, Georgia Records, which plat is incorporated herein for a more complete description of said property.
And: All that tract or parcel of land lying and being in G.M.D. 912 of Banks County, Georgia, and being Lot 3A, as shown on a recorded plat for Lanier Home Center, dated June 27, 2000, by Kenyon L. Miller, Georgia Registered Land Surveyor No. 2595, and recorded in Plat Book 25, Page 122, Banks County, Georgia Records, which plat is incorporated herein for a more complete description of said property.
Less and Except: All that tract or parcel of land lying and being in G.M.D. 912 of Banks County, Georgia, and being Lot 4A, as shown on a recorded plat for Lanier Home Center, dated June 27, 2000, by Kenyon L. Miller, Georgia Registered Land Surveyor No. 2595, and recorded in Plat Book 25, Page 122, Banks County, Georgia Records, which plat is incorporated herein for a more complete description of said property.
Subject to a 20 foot driveway easement over said Lot 3A as shown on a recorded plat for Lanier Home Center, dated June 27, 2000, by Kenyon L. Miller, Georgia Registered Land Surveyor No. 2595, and recorded in Plat Book 25, Page 122, Banks County, Georgia Records, which plat is incorporated herein for a more complete description of said property.
Also included in the sale is certain personal property described as follows: 1997 Horton/Cathedral, Serial Number H83061GLR, which is permanently affixed and is to become a part of the real property.
The indebtedness secured by said Security Deed has been and is hereby declared due and payable because of, among other possible events of default, non-payment of the monthly installments as required by said Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Security Deed and by law, including attorneys fees (notice of intent to collect attorneys fees having been given) and all other payments provided for under the terms of the Security Deed and Note.
Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.
To the best of the undersigneds knowledge and belief, said property is also known as 805 Antioch Church Road, Lula, Georgia 30554, and the party in possession of the property is Brandi Reed, a/k/a Brandi Duckworth or a tenant or tenants of said property.
Origen Financial, Inc., FKA Dynex Financial, Inc., as Attorney-in-Fact for Brandi Reed, AKA Brandi Duckworth
Kenney & Solomon, P.C.
3675 Crestwood Parkway, Suite 110
Duluth, Georgia 30096
(770) 564-1600
The law firm is acting as a debt collector attempting to collect a debt. Any information obtained will be used for that purpose.
(DC5,12,19,26P4)

Notice of Sale
Notice of Sale Under Power
Georgia, Banks County
By virtue of a Power of Sale contained in that certain Security Deed from Dorothea K. Moore to Mortgage Electronic Registration Systems, Inc., dated April 11, 2001, recorded in Deed Book 172, Pages 300-316, Banks County, Georgia Records, said Security Deed having been given to secure a Note of even date in the original principal amount of One Hundred Thirty Thousand Five Hundred and 00/100 Dollars ($130,500.00) with interest thereon as provided for therein, said Security Deed having been last sold, assigned and transferred to Bankers Trust Company, as Trustee, there will be sold at public outcry to the highest bidder for cash before the Courthouse door of Banks County, Georgia, within the legal hours of sale on the first Wednesday in January 2002, the following described property:
All that tract or parcel of land lying and being in the 208th District, G.M., Banks County, Georgia, and being that 0.27 acre, more or less, designated as Tract No. III on a plat and survey for Dorothea K. Veal, dated November 21, 1991, by Thomas Lynn Colbaugh, Registered Surveyor. Said plat is recorded in Plat Book 16, Page 200, Office of the Clerk of Superior Court of Banks County, Georgia, and is incorporated herein and made a part hereof by reference for a more detailed description. Said Tract No. III is bounded on the Northwest by Tract No. I, on the Southwest by Tract No. II, and on the Northeast by Tract No. II.
Address: 466 Hwy. 164, Commerce, GA 30529. Tax Map or Parcel ID No.: 24-37
Said property is commonly known as 466 GA Hwy. 164, Commerce, GA 30529.
The indebtedness secured by said Security Deed has been and is hereby declared due because of default under the terms of said Security Deed and Note, including but not limited to the nonpayment of the indebtedness as and when due. The indebtedness remaining in default, this sale will be made for the purpose of paying the same, all expenses of the sale, including attorneys fees, and all other payments provided for under the terms of the Security Deed and Note.
Said property will be sold subject to the following items which may affect the title to said property: all zoning ordinances; matters which would be disclosed by an accurate survey or by an inspection of the property; any outstanding taxes, including but not limited to ad valorem taxes, which constitute liens upon said property; special assessments; all outstanding bills for public utilities which constitute liens upon said property; all restrictive covenants, easements, rights-of-way and any other matters of record superior to said Security Deed. To the best of the knowledge and belief of the undersigned, the party in possession of the property is Dorothea K. Moore or tenant(s).
Bankers Trust Company, as Trustee, as Attorney-in-Fact for Dorothea K. Moore
Contact: Sharon Russ (Ext. 279)
Morris, Schneider & Prior, L.L.C.
3300 N.E. Expressway, Building 8
Atlanta, Georgia 30341
(770) 234-9181
MSP File No. 382.A15431\SMR
Web Site: www.foreclosures.msplaw.com
This law firm is attempting to collect a debt. Any information obtained will be used for that purpose.
(DC5,12,19,26B/815 6000)

Notice of Sale
Notice of Sale Under Power
State of Georgia
County of Banks
Because of a default in the payment of the indebtedness secured by a Security Deed executed by Horace Elliott to Unity Mortgage Corp., dated September 16, 1998, and recorded in Deed Book 134, Page 445, Banks County Records, said Security Deed having been last sold, assigned, transferred and conveyed to The First National Bank of Chicago as Trustee, now Bank One National Association, by assignment dated October 20, 1998, and recorded in Deed Book 147, Page 581, aforesaid records, securing a Note in the original principal amount of $60,000.00, the holder thereof pursuant to said Deed and Note thereby secured has declared the entire amount of said indebtedness due and payable and, pursuant to the power of sale contained in said Deed, will on the first Wednesday, January 2, 2002, during the legal hours of sale, before the Courthouse door in said County, sell at public outcry to the highest bidder for cash, the property described in said Deed, to-wit:
All that tract or parcel of land lying and being in the 207th District, G.M., Banks County, Georgia, and being that 1.31 acres, more or less, designated as Lot 4A of the Glenfield Farms Subdivision, as more particularly shown on a plat of survey prepared for Robert C. Russell by Max Lewallen, Registered Surveyor, dated March 30, 1998, recorded at Plat Book 22, Page 197, in the Office of the Clerk of the Superior Court of Banks County, Georgia, and incorporated herein and made a part hereof by reference for a more detailed description.
Said property is known as 238 Borders Avenue, Commerce, GA 30530, together with all fixtures and personal property attached to and constituting a part of said property, if any.
Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, whether or not now due and payable), the right of redemption of any taxing authority, any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.
The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the Security Deed.
Notice has been given of intention to collect attorneys fees in accordance with the terms of the Note secured by said Deed.
Said property will be sold as the property of Horace Elliott, the property, to the best information, knowledge and belief of the undersigned, being presently in the possession of Horace Elliott, and the proceeds of said sale will be applied to the payment of said indebtedness and all the expenses of said sale, including attorneys fees, all as provided in said Deed, and the balance, if any, will be distributed as provided by law.
Bank One, National Association, as Attorney-in-Fact for Horace Elliott
File No. 01-2433
L.J. Swertfeger, Jr.
Shapiro & Swertfeger
Attorneys and Counselors at Law
3300 Northeast Expressway
Suite 5-C
Atlanta, Georgia 30341-3941
(770) 220-2730/KS
www.swertfeger.net
The law firm is acting as a debt collector. Any information obtained will be used for that purpose.
(DC5,12,19,26P4)

Notice of Sale
Notice of Sale Under Power
Georgia, Banks County
Under and by virtue of the Power of Sale contained in a Security Deed given by Cathy B. Roberts to FT Mortgage Companies, dba HomeBanc Mortgage Corporation, dated October 3, 1997, recorded in Deed Book 121, Page 136, Banks County, Georgia Records, as last transferred to Washington Mutual Home Loans, Inc., by assignment to be recorded in the Office of the Clerk of Superior Court of Banks County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of Fifty-Eight Thousand Seven Hundred Fifty & 0/100 Dollars ($58,750.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the Courthouse door of Banks County, Georgia, within the legal hours of sale on the first Wednesday in January, 2002, the following described property:
See Exhibit A attached hereto and made a part hereof
The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Security Deed and by law, including attorneys fees (notice of intent to collect attorneys fees having been given.)
Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.
To the best knowledge and belief of the undersigned, the party in possession of the property is Cathy Roberts or a tenant or tenants and said property is more commonly known as 295 East Freeman Street, Maysville, GA 30558.
The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the Security Deed.
Washington Mutual Home Loans, Inc., as Attorney-in-Fact for Cathy B. Roberts
Daniel D. Phelan
McCalla, Raymer, Padrick, Cobb, Nichols & Clark, LLC
1544 Old Alabama Road
Roswell, Georgia 30076
www.foreclosurehotline.net
DDP/sdd 1/2/01
Our file no. 51684701-FT1
This law firm is acting as a debt collector attempting to collect a debt. Any information obtained will be used for that purpose.
Exhibit A
All that tract or parcel of land situate, lying and being in the 465th District, G.M., Banks County, Georgia, encompassing 1.21 acres, more or less, designated as Tract No. 4B, as shown on a plat of survey entitled Survey for Cathy B. Roberts, prepared by Slate & Associates, Inc., certified by G. Brian Slate, Georgia Registered Surveyor No. 2629, dated September 29, 1997, and being of record in the Office of the Clerk of the Superior Court for Banks County, Georgia, in Plat Book 22, Page 89, which said plat and the recording thereof are by reference incorporated herein for a more complete and detailed description. The borrower represents, covenants and agrees that the mobile home located on the land is to remain on the land and has been permanently affixed to the land described herein so as to become a part of the real property.
(DC5,12,19,26B/930 6000)
Notice of Sale
Notice of Sale Under Power
Georgia, Banks County
Under and by virtue of the Power of Sale contained in a Security Deed given by Bobby Scott Coker to First National Security Corporation, dated October 5, 1999, recorded in Deed Book 149, Page 603, Banks County, Georgia Records, as last transferred to Bank of New York as Trustee, on behalf of the Certificate Holders by assignment to be recorded in the Office of the Clerk of Superior Court of Banks County, Georgia Records, conveying the after-described property to secure a note in the original principal amount of Sixty-Six Thousand Four Hundred Ninety-Two and 0/100 Dollars ($66,492.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the Courthouse door of Banks County, Georgia, within the legal hours of sale on the first Wednesday in January, 2002, the following described property:
See Exhibit A attached hereto and made a part hereof
The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Security Deed and by law, including attorneys fees (notice of intent to collect attorneys fees having been given).
Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants and matters of record superior to the Security Deed first set out above.
To the best knowledge and belief of the undersigned, the party in possession of the property is Bobby Scott Coker or a tenant or tenants and said property is more commonly known as 632 Borders Road, Commerce, GA 30530.
The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the Security Deed.
Bank of New York, as Trustee, on behalf of the Certificate Holders, as Attorney-in-Fact for Bobby Scott Coker
Daniel D. Phelan
McCalla, Raymer, Padrick, Cobb, Nichols & Clark, LLC
1544 Old Alabama Road
Roswell, Georgia 30076
www.foreclosurehotline.net
DDP/clw 1/2/02
Our File No. CWF-00-00074-FT4
This law firm is acting as a debt collector attempting to collect a debt. Any information obtained will be used for that purpose.
Exhibit A
All that tract or parcel of land lying and being in the 207th G.M.D. Banks County, Georgia, containing 5.92 acres at Lot 13 on a plat of survey as prepared for J. Albert Minish, by Max DeWallon, Registered Land Surveyor, dated March 20, 1992. This being the tract of land known as Hudson River Estates.
(DC5,12,19,26B/930 6000)

Notice of Sale
Notice of Sale Under Power Contained in Security Deed
State of Georgia,
County of Banks
Pursuant to a Power of Sale contained in a certain Security Deed executed by Ernest Jackson and Patricia Jackson, hereinafter referred to as Grantor, with the singular including the plural, to Alliance Funding, a Division of Superior Bank FSB recorded in Deed Book 156, beginning at Page 507, of the deed records of the Clerk of the Superior Court of the aforesaid state and county, and by virtue of a default in the payment of the debt secured by said Security Deed, the undersigned Attorney-in-Fact for the aforesaid Grantor (which Attorney-in-Fact is the present holder of said Security Deed and note secured thereby) will sell before the door of the Courthouse in said county within the legal hours of sale, for cash, to the highest bidder on the first Wednesday in January, 2002, the property which, as of the time of the execution of said Security Deed, was described as set forth in the attached Exhibit A. Said sale will be made subject to the following items which may affect the title to said property: All restrictive covenants, easements and rights-of-way appearing of record, if any; all zoning ordinances; matters which would be disclosed by an accurate survey or by an inspection of the property; all outstanding and/or unpaid taxes which may be liens upon the property; all outstanding or unpaid bills and assessments for street improvements, curbing, garbage, water, sewage and public utilities which may be liens upon said property. To the best of the undersigneds knowledge and belief, the party in possession of the property is believed to be Ernest Jackson and Patricia Jackson.
The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the Security Deed.
LaSalle Bank National Association, as Indenture Trustee under the Indenture dated as of 06/01/00 Series 2000-2, as Transferee and Assignee, as Attorney-in-Fact for the aforesaid Grantor
J. Michael Campbell
Attorney at Law
990 Hammond Drive
Suite 800
One Lakeside Commons
Atlanta, Georgia 30328
(770) 392-0041
This law firm is attempting to collect a debt, and any information obtained will be used for that purpose.
Exhibit A
All that tract or parcel of land lying and being in the 465th GMD of Banks County, Georgia, being Lot 17 of River Run Estates, Unit Two, as per plat recorded in Plat Book 13, Page 98, Records of Banks County, Georgia, which plat is incorporated herein by reference.
(DC5,12,19,26B/372 5000)

Notice of Sale
Notice of Sale Under Power
Georgia, Banks County
Under and by virtue of the Power of Sale contained in a Security Deed given by Payton Crawford to Sunshine Mortgage Corporation, dated November 10, 1999, recorded in Deed Book 148, Page 703, Banks County, Georgia Records, as last transferred to Countrywide Home Loans, Inc. by assignment recorded in Deed Book 163, Page 560, Banks County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of Four Hundred Sixty Thousand and 0/100 Dollars ($460,000.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the Courthouse door of Banks County, Georgia, within the legal hours of sale on the first Wednesday in January, 2002, the following described property:
See Exhibit A attached hereto and made a part hereof
The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Security Deed and by law, including attorneys fees (notice of intent to collect attorneys fees having been given.)
Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.
To the best knowledge and belief of the undersigned, the party in possession of the property is Payton Crawford or a tenant or tenants and said property is more commonly known as 270 Riverwood Lake Road, Lula, GA 30554.
The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the Security Deed.
Countrywide Home Loans, Inc., as Attorney-in-Fact for Payton Crawford
Daniel D. Phelan
McCalla, Raymer, Padrick, Cobb, Nichols & Clark, LLC
1544 Old Alabama Road
Roswell, Georgia 30076
www.foreclosurehotline.net
DDP/arm 1/2/02
Our file no. 5161401-FT4
This law firm is acting as a debt collector attempting to collect a debt. Any information obtained will be used for that purpose.
Exhibit A
All that tract or parcel of land lying and being in GMD 912, Banks County, Georgia, containing 5.00 acres, more or less, and being a portion of Lot 12 of Riverwood Subdivision, Phase Two, and more fully shown on plat of survey for Payton L. Crawford and Shannon Crawford dated May 12, 1998, by Youngman Surveying, Inc., Georgia Registered Land Surveyor, recorded in Plat Book 23, Page 53, Banks County, Georgia Records, which plat is incorporated herein by reference and made a part hereof.
Together with and subject to a non-exclusive 40 foot ingress/egress easement as more particularly shown on a plat recorded at Plat Book 14, Page 44, Banks County, Georgia Records.
This is a portion of that property conveyed in a Warranty Deed to Payton L. Crawford and Shannon Crawford recorded in Deed Book 117, Page 678, Banks County, Georgia Records.
(DC5,12,19,26B/930 6000)

Bell Estate
Notice to Debtors
and Creditors
All creditors of the estate of Melba Jean Bell, deceased, late of Banks County, Georgia, are hereby notified to render in their demands to the undersigned according to law, and all persons indebted to said estate are required to make immediate payment to us.
This 29th day of November, 2001
Susan Elaine Howard and Terry W. Bell, Executor/Administrator
4981 West Lake Way, Douglasville, GA 30135
3325 Turner Church Road, McDonough, GA 30252
(DC5,12,19,26P4)

Intent to Dissolve Corporation
Notice of Intent to Voluntarily Dissolve A Corporation
Notice is given that a Notice of Intent to Dissolve Northmoose, Ltd., a Georgia corporation with its registered office at 156 Wynn Lake Circle, Alto, GA 30510, has been delivered to the Secretary of State for filing in accordance with the Georgia Business Corporation Code.
Please submit all claims against the assets of the corporation in writing to Randall Myers at P.O. Box 7886, Tacoma, WA 98406. Claims must specify an amount, basis and origination date.
Except for claims that are contingent as of December 5, 2001, or that arise after this date, a claim against this corporation not otherwise barred will be barred unless a proceeding to enforce the claim is commenced on or before December 5, 2003.
(DC5,12P2)

Inc. Notice
Notice of Intent
to Incorporate
Notice is given that Articles of Incorporation, which will incorporate A. Akins Plumbing, Inc., will be delivered to the Secretary of State for filing in accordance with the Georgia Business Corporation Code. The initial registered office of the corporation will be located at 268 Deer Run, Maysville, Banks County, Georgia 30558. The initial registered agent of the corporation at such address shall be Ricky Akins.
David H. Robertson
D.H. Robertson & Associates, P.C.
2154 Fountain Square
Snellville, GA 30078
(770) 736-5182
(DC5,12P2)

Inc. Notice
Notice of Intent
to Incorporate
Notice is given that Articles of Incorporation, which will incorporate Calidonna Salon, Inc., will be delivered to the Secretary of State for filing in accordance with the Georgia Business Corporation Code. The initial registered office of the corporation will be located at 268 Deer Run, Maysville, Banks County, Georgia 30558. The initial registered agent of the corporation at such address shall be Ricky Akins.
Lisa M. Gable
D.H. Robertson & Associates, P.C.
2154 Fountain Square
Snellville, GA 30078
(770) 736-5182
(DC5,12P2)